Load Name Deed For Free

The name on the deed of property in California is very important. If there is only one person who owns the property and that person is not married, then ownership is very clear. However, if the person who is on the deed is married and the spouse's name is not on the deed, then complications can occur.

Yes, you can put your spouse on the title without putting them on the mortgage. This would mean that they share ownership of the home but aren't legally responsible for making mortgage payments.

Do Both Owners' Names Need to be on a Mortgage? No ? you can have only one spouse on the mortgage but both on title. Both owners of the home, typically being spouses listed on the deed, do not have to both be listed on the mortgage.

Your mortgage loan will most likely need to be fully refinanced. Adding a new person to your mortgage loan changes the loan's terms. You won't be able to change these terms unless a lender creates a new loan for you through a mortgage refinance.

The original property owner adds a new co-owner by recording a deed that transfers the property to the original owner and the new co-owner. The deed must choose a form of co-ownership that includes a right of survivorship.

In a community property state ? let's say California ? your ownership rights are automatic for a house acquired during your marriage. Your home is equally shared between you, fifty-fifty ? no matter how it's titled.

In other words, if your name is on the deed, you are tenants-by-the-entireties, and if one of you dies, the other owns the property entirely. If you are not on the mortgage for whatever reason, you are not liable for paying the mortgage loan. That said, you get your spouse's interest in the property if they die.

To add, remove, or change a name on a deed, have a lawyer, title company, or other real estate professional prepare the deed. Then, record the new deed with the Department of Records. Note: We recommend that you do not prepare a deed on your own. We also recommend that you get title insurance.